SERVICES
The Redwood National Bank is
constantly striving to promote growth within the
communities of Northern New York while providing our
customers with a level of customer service unmatched in
the local banking community. Some of the advantages of
using Redwood National Bank include Business Checking
Accounts for only $12.50 a month and the ADVANTAGE CARD.
The Redwood National Bank
Advantage Card works like a check, all over the world.
Whether you're shopping around the corner or around the
world, the Advantage card is the easy way to pay right
from your checking account.
Because it carries the VISA
symbol, the Advantage card works like a check anywhere
your VISA card is welcome - over 12 million locations
around the world!
You can use it for everyday
things - like dry cleaning, lunch, or department store
purchases. Or use it to buy gifts or to place catalog
orders. Just present your Advantage card at the time of
purchase, and the amount will be automatically deducted
from your checking account.
Business
Checking Accounts
Monthly
Maintenance
No Additional Per Item Charge
|
12.50
|
 |
Personal
Checking Accounts
Monthly
Maintenance if balance in account falls
below $500 any day.
|
5.00
|
|
The Monthly Charge will
be waived on regular personal checking accounts if you
are age 62 or older or if the account is credited
electronically by direct deposit.
Now
Accounts
Monthly
Maintenance if balance in account falls
below $500 any day.
|
7.50
|
|
Money
Market Account
Monthly
Maintenance if balance in account falls
below $2500 any day.
|
10.00
|
|
New
York Basic Banking Account
Monthly
Maintenance
|
3.00
|
|
Excess Transaction Fee
of $.25 will be charged for each debit transaction in
excess of eight during each periodic cycle.
Statement
Savings Account
Monthly
Maintenance if balance in account falls below
$20.00 any day
|
1.00
|
|
General
Account Related Service Charges
Abandoned
Property
Account Early Close-Out
(Christmas Club & Savings) If if closed
within 180 days after opening.
A/C Recononciliation (Per Hr)
Bank Money Order
In Branch Statement
Business Wrapped Coin Fee Per Roll
(Non-Customers)
Canadian Draft
Certified Check
Charge Back (Deposited On US Items NFF)
Check Cashing Fee (Non-Customers)
Coupon Deposit (Per Envelope)
_____In
Region
_____Out
of Region
Currency Fee Per Strap (Non-Customers)
Fax (per page)
Debit Card
_____Maintenance
Fee Per Month
_____Replacement
Card
_____PIN
Re-Order
Deposited Item, Pre-Encoded Reject
Duplicate Statement
Fed Return Of Deposited Item
Legal Papers Served Requiring Bank
To Hold or Remit Money
Loan Coupon Book Replacement
Locked Night Deposit Bag with 2 Night Drop Keys
_____Additional
or Lost Night Drop Key
_____Zipper Bag
Official Check
Overdraft Charge (per item)
Photocopy
Protest Check
_____Plus
.20 per notice
_____Plus
Postage
Research (per hour)
Savings Overdraft Transfer
Stop Payment Order
Wire Transfer
_____Incoming
_____Outgoing
- Domestic
_____Outgoing
- Foreign
|
10.00
5.00
10.00
3.00
3.00
.10
7.00
10.00
5.00
5.00
10.00
15.00
.10
1.00
1.00
7.50
3.50
.05
5.00
8.00
50.00
5.00
25.00
10.00
5.00
5.00
18.00
.25
20.00
25.00
3.00
15.00
5.00
15.00
25.00
|
|
Other
Convenient Banking Services
ATM’s
Bank-By-Mail
Certificates Of Deposit
Checking Accounts
Christmas Clubs
Direct Deposit
Drive-In-Banking
Individual Retirement Accounts
Money Market Accounts
Night Depository
Overdraft Protection
Safe Deposit Boxes
Savings Accounts
Travelers Checks
U.S. Savings Bonds
|
|
|
Loans
Commercial
Home Equity
Mastercard/Visa
Personal
Ready Reserve Credit
Residential Mortgage
Student Loans
|
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